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Take the first step to financial independence!
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Better features with a better vibe—for you.

The BankMobile Vibe Checking Account has been built to be the right account for you, not the right-now account for you.

The BankMobile Vibe Checking Account is only available to eligible students attending our partner colleges and universities.

Use the interactive chart below to see how the BankMobile Vibe Checking Account compares to the other institutions!

Account Name
BankMobile Vibe Checking
Everyday Checking
Number of Fee Free ATMs1
0
11,000
Approximate Number of Branches
Interest Bearing Account
Interest Bearing Savings Account Offered
No Minimum Opening Balance
Mobile Check Deposit
Early Payroll Direct Deposit2
Debit Card On-Off Switch
Mobile Bill Pay
Recognition for Academic Achievements
Money Management Tools
4,700
Account Name
BankMobile Vibe Checking
Chase College CheckingSM
Number of Fee Free ATMs1
0
16,000
Approximate Number of Branches
Interest Bearing Account
Interest Bearing Savings Account Offered
No Minimum Opening Balance
Mobile Check Deposit
Early Payroll Direct Deposit2
Debit Card On-Off Switch
Mobile Bill Pay
Recognition for Academic Achievements
Money Management Tools
4,700
Account Name
BankMobile Vibe Checking
SafeBalanceTM
0
15,000
Approximate Number of Branches
Interest Bearing Account
Interest Bearing Savings Account Offered
No Minimum Opening Balance
Mobile Check Deposit
Early Payroll Direct Deposit2
Debit Card On-Off Switch
Mobile Bill Pay
Recognition for Academic Achievements
Money Management Tools
3,900
Number of Fee Free ATMs

1 Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.

2 Funds from payroll-related direct deposits may be made available up to two days early. Early access to payroll deposits applies to the direct deposit of funds from your employer. Employer direct deposits vary and, as a result, it is not possible to guarantee early access to your pay. Factors that will affect this include the sender’s deposit description used and the timing of their submission of deposit. In order to provide this service, we generally post such deposits on the business day we receive notice that the deposit is scheduled, which may be up to two (2) business days earlier than the payer’s scheduled payment date. In general, benefit checks (direct deposit or otherwise) from the federal or state government will not be eligible for early access based on the parameters we use. As an example, benefits that generally would not receive early access include but are not limited to unemployment, retirement, pension, civil service, railroad retirement and veteran’s payments.

Data is current as of 1/5/2024.

© 2024 BMTX, Inc., a wholly owned subsidiary of BM Technologies, Inc. All Rights Reserved. BankMobile banking products and banking services are provided by First Carolina Bank, Member FDIC & Equal Housing Lender.​

BankMobile Vibe Checking
Everyday Checking
Monthly Service Fee
Account Name
Options to Waive Monthly Service Fee
  • $500 minimum daily balance​
  • $500 or more in total qualifying electronic deposits3
  • ​Primary account owner is 17 - 24 years old4 OR
  • A Wells Fargo Campus ATM Card or Campus Debit Card linked to this account5 OR
  • A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program
$2.99
Annual Percentage Yield (APY)
N/A
0.50% up to $1,000.99 with $300 in qualifying deposits2
$300 in qualifying deposits1
$35
Insufficient Fund Fee
Stop Payment Fee
$0
$0
$10
$35
$0
Overdraft Fee
$10
Cashier's Check Fee
Out of Network ATM Fee
(Plus any fees the ATM owner may charge)
$2.50
(In the US)
$0
$0
$3.00
(In the US)
BankMobile Vibe Checking
Chase College CheckingSM
Monthly Service Fee
Account Name
Options to Waive Monthly Service Fee
$6 ($12, Effective 3/17/2024) monthly service fee OR $0 Monthly Service Fee up to the graduation date provided at account opening (5 years maximum) OR $0 monthly service fee when you have any one of the following each monthly statement period6 :
  • An electronic deposit made into this account, such as a payment from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or
  • FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa or Mastercard network Effective 3/17/2024, electronic deposits must total $500 or more to avoid the Monthly Service Fee.​
  • OR an average ending day balance of $5,000 ($1,500 effective 3/17/2024) or more in this account​
$2.99
Annual Percentage Yield (APY)
N/A
0.50% up to $1,000.99 with $300 in qualifying deposits2
$300 in qualifying deposits1
$34
Insufficient Fund Fee
Stop Payment Fee
$30 with a banker
$25 online or automated phone
$0
$6
$34
$0
Overdraft Fee
$10
Cashier's Check Fee
Out of Network ATM Fee
(Plus any fees the ATM owner may charge)
$3.00
(In the US)
$0
$0
$3.00
(In the US)
BankMobile Vibe Checking
SafeBalanceTM
Monthly Service Fee
Account Name
Options to Waive Monthly Service Fee
  • Enrolled in the Preferred Rewards program7
  • Maintain a minimum daily balance of $500 or more in your account, OR
  • Are an owner of this account under age 25
$2.99
Annual Percentage Yield (APY)
N/A
0.50% up to $1,000.99 with $300 in qualifying deposits2
$300 in qualifying deposits1
$0
Insufficient Fund Fee
Stop Payment Fee
$30
$0
$4.95
$0
$0
Overdraft Fee
$15
Cashier's Check Fee
Out of Network ATM Fee
(Plus any fees the ATM owner may charge)
$2.50
(In the US)
$0
$0
$3.00
(In the US)

1  The Monthly Service Fee is $2.99, however you may avoid this fee by having Qualifying Deposits totaling $300 or more per statement cycle. Qualifying Deposits include direct deposit, transfers from external bank accounts, check deposits, point-of-sale deposits and cash deposits such as those made via Green Dot® Reload @ the Register™. Financial aid refunds or other refunds issued by your school, interest earned on your account, promotional credits, such as cash back rewards, internal account transfers, fee waivers, fee credits, returned items or dispute credits are not eligible toward the $300 total deposits.

2 BankMobile Vibe Checking Account holders who make Qualifying Deposits totaling $300 or more per statement cycle, will qualify for interest on their BankMobile Vibe Checking Account. Qualifying Deposits include direct deposit, transfers from external bank accounts, check deposits, point of sale deposits and cash deposits such as those made via Green Dot® Reload @ the Register™. Financial aid refunds or other refunds issued by your school, interest earned on your account, promotional credits such as cash back rewards, internal account transfers, fee waivers, fee credits, returned items or dispute credits are not eligible toward the $300 in total deposits. Annual Percentage Yield (APY) accurate as of 11/9/2022. An interest rate of 0.50 % will be paid for average daily balances up to $1,000.99 with an APY of 0.50 %. An interest rate of 0.01% will be paid only on the portion of the average daily balance that is greater than $1,000.99 resulting in an APY range of 0.50 % to 0.06 %, depending on the balance in the account, assuming a maximum average daily balance of $10,000.00. Interest rates and APY are variable and may change at our discretion at any time without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. For more information see the BankMobile Vibe Checking Account Fee Schedule and Interest Rate Information and Terms and Conditions.

3 Wells Fargo Everyday Checking: A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNowSM Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g. an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.​

4 When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.​

5 Only available at participating schools.​

6 Chase College Checking account Service Fee: There is no Monthly Service Fee up to the graduation date provided at account opening (five years maximum). Students must be 17-24 years old to open a Chase College Checking account and must provide school name, and expected graduation date at account opening; a valid student ID or proof of enrollment/acceptance may also be required. The Monthly Service Fee after expected graduation date is $6 or $0 when you do at least one of the following each statement period: Option #1: Have an electronic deposit made into this account, such as a payment from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, or (iii) third party services that facilitate payment to your debit card using the Visa® or Mastercard® network; OR, Option #2: Keep an average ending day balance of $5,000 or more in your checking account.​ New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).​

7 Fee waiver only applies for the first 4 checking accounts. Visit the Preferred Rewards page for a list of no-fee banking services.

Data collected is current as of 1/5/2024. 

© 2024 BMTX, Inc., a wholly owned subsidiary of BM Technologies, Inc. All Rights Reserved. BankMobile banking products and banking services are provided by First Carolina Bank, Member FDIC & Equal Housing Lender.

Ready to make the switch from your "other" bank?

When you are ready to take the first step toward the beginning of your best financial life, this step-by-step checklist will help you track your progress while making your primary account the BankMobile Checking Account.